Medicare Part D and Enrollment: Choosing a Plan that Works for You

November 10, 2010, Online Chat

Chat Transcript

Moderator_Margaret_Beardsworth: Good afternoon and welcome to the “Medicare Part D and Enrollment: Choosing a Plan that Works for You” chat! This is Margaret Beardsworth and I manage Pulmonary Hypertension Association’s insurance program.

Moderator_Margaret_Beardsworth: Thank you for joining us today as we talk about steps you take to help you maneuver through Medicare Part D. We will begin with some basic Medicare questions, and then answer questions that have already been submitted and any new questions that you submit today.

Moderator_Margaret_Beardsworth: We will try to answer all questions during the chat, but any unanswered questions should be redirected to Medicare Rights Center’s hotline at 1-800-333-4114 or Caring Voice Coalition (for PH patients) at 1-888-267-1440. Also, a transcript of this chat will be available at www.phassociation.org/Classroom/Recordings.

Moderator_Margaret_Beardsworth: Before we start, I just want to introduce and thank all our expert panelists who graciously agreed to be on the chat today.

Panelist_Doug_Taylor: Hi, I live in Lexington, SC and lead the Midlands SC PH Support Group. This is an important topic for me because it has affected me two years ago and again this year since my current Medicare Advantage plan is being cancelled. Fortunately I have gotten great help from CVC and the State Office on Aging where the SC SHIP is located. It is important that we all keep in mind that there are an unlimited number of situations and what is right for one person is not necessarily right for the next. The thing to do is make informed decisions, and this program, MRC, CVC and the SHIP can help there!

Panelist_Medicare_Rights_Center: Hi this is Ilana Raskind and Doug Goggin-Callahan from the Medicare Rights Center. We provide counseling and advocacy to people with Medicare.

Moderator_Margaret_Beardsworth: Feel free to chat away and ask questions. There is a small delay once you submit a question or comment, so if you don’t see your comment right away, please be patient.

Pioneermom09:(Q) Is there anything special that PH patients need to look for in a Medicare D company?Panelist_Doyle_Hull: (A) In terms of cost-sharing (copayments, etc.) most of the Part D plans are similar when it comes to covering the major oral PH therapies. Where they can differ significantly is with the restrictions they impose (for instance, whether prior authorization is required) and whether particular medications are included or preferred on their formularies. When you're researching plans, then, it's advisable to pay attention to those things.

Panelist_Medicare_Rights_Center: Here are the answers to some commonly asked questions about how Medicare coverage works:

What is Medicare and who is eligible? Medicare is the federal government program that gives you health care coverage (health insurance) if you are 65 or older or under 65 and have a disability, no matter your income.

When you pay taxes on your income, part of the money goes toward Medicare. Medicare has different parts that cover inpatient services, outpatient services and prescription drugs at the pharmacy. When you turn 65, you become eligible for Medicare if you: are a U.S. citizen or have a resident visa (green card), and you must have lived continuously in the U.S. for the 5 years prior to the month of enrollment.

There are three ways you can get Medicare coverage if you are under 65 years of age. You are eligible for Medicare if you are a U.S. citizen or have your resident visa, have lived in the U.S. for five years in a row; and 1.You have a disability and have been receiving Social Security Disability Insurance (SSDI) for more than 24 months or 2.You have been diagnosed with End-Stage Renal Disease (ESRD) or 3.You have been diagnosed with Amyotrophic Lateral Sclerosis (ALS), commonly known as Lou Gehrig’s Disease.

What is Medicare Part D? How does it compare to parts A, B and C? Medicare’s drug benefit (Part D) is outpatient prescription drug coverage for anyone with Medicare. It is available only through private companies. If you want to get this coverage, you have to choose and enroll in a private prescription drug plan. Enrollment is optional and only allowed during approved enrollment periods.

Whether you should sign up for a Medicare private drug plan depends on your circumstances. Some people already enrolled in certain low-income assistance programs may be automatically enrolled in a Medicare drug plan and get financial assistance.

Part A (Hospital Insurance) covers most medically necessary hospital, skilled nursing facility, home health and hospice care. It is free if you have worked and paid Social Security taxes for at least 40 calendar quarters (10 years); you will pay a monthly premium if you have worked and paid taxes for less time.

Medicare Part C is not a separate benefit. Part C is the part of Medicare policy that allows private health insurance companies to provide Medicare benefits. These Medicare private health plans, such as HMOs and PPOs, are sometimes known as Medicare Advantage plans. If you want, you can choose to get your Medicare coverage through a Medicare private health plan instead of Original Medicare. Medicare private health plans must offer at least the same benefits as Original Medicare (those covered under Parts A and B) but can do so with different rules, costs and coverage restrictions.

Kimcraft: (Q) I am new to Medicare.. My question is.. if I get better and am able to go back to work.. how will that affect benefits in the future for me.. do you have to be able to work another certain amount of time to qualify again for SSDI?Panelist_Medicare_Rights_Center: (A) As long as you remain medically disabled you can keep your Medicare coverage indefinitely. For the first 8.5 years (including the 9-month trial work period—see below for details) that you return to work, you will not have to pay the Part A premium. After that, you will have to pay the Part A premium yourself. If at that point your income is too low to afford the Part A premium, there is a program called the Qualified Disabled and Working Individuals (QDWI) program that can help. To be eligible for QDWI you must:

Be under 65;

Continue to have a disabling impairment;

Have income of $1,805 ($2,429 for a couple) in 2010;

Have resources worth less than $4,000 for an individual and $6,000 for a couple, not counting the home where you live, usually one car, and certain insurance; AND

Not already be eligible for Medicaid.

During the first nine months you return to work, your Social Security Disability Insurance (SSDI) benefits will not be affected. As long as you remain medically disabled, this 9-month trial work period (TWP) allows you to test your ability to return to work without losing your SSDI benefits regardless of how much you earn.

Only months in which you earn more than $720 are considered to be part of your trial work period (in 2010). They do not need to be consecutive. After you have earned over $720 in each of nine months, how much you earn can affect your benefits.

The Social Security Administration uses the term "substantial gainful activity" (SGA) to determine if your earnings are substantial enough to make you ineligible for benefits. If you earn less than the SGA level, your disability benefits will not be affected. If you earn more, you will lose your SSDI benefits after a two-month grace period. In 2010, the SGA level is $1,000 a month. The SGA level is higher if you are blind: $1,640 a month in 2010.

Panelist_Doyle_Hull: A question asked earlier was "I have medications that require durable medical equipment. Is that covered under Part D too?" The answer is usually no. Medical equipment is usually covered under Part B.

Moderator_Margaret_Beardsworth: If you're just joining us, welcome! We have Doyle Hull from Caring Voice Coalition, Ilana Raskind and Doug Goggin-Callahan from Medicare Rights Center, and Doug Taylor - PH patient and South Carolina Support Group Leader on the chat with us today. Feel free to chat and ask away.

Panelist_Doyle_Hull: Another question asked earlier was "Do Medigap plans take the place of a Medicare Part D plan?" In general, the answer is no. Some Medigap plans issued in the past included some level of coverage for prescription medications but the coverage was usually pretty inadequate. New Medigap plans don't include prescription drug coverage at all.

Panelist_Doug_Taylor:Sarah in SC, submitted a question ahead asking about a list of available plans in SC for people under 65. The Lt. Gov's Office on Aging (in SC) can direct you to someone locally that you can talk to. The number is 803.734-9900. Or in the Midlands, Carol Abrahamsen at 803.376-5390, extension *312 can help. In other states, you should find out the SHIP -- State Insurance Assistance Program -- number to call.

Panelist_Doug_Taylor: The SHIP can give you a list of available plans and which cover the drugs you specifically take.

Panelist_Doyle_Hull: Another question asked earlier was about CVC's financial assistance. Janet asked: "Would the grant money from CVC cover my Part D deductible when I order Tracleer in January?" The answer is most likely "yes." If your deductible is incurred when your first fill of Tracleer is processed by your Part D plan, then your grant from CVC would cover it.

Panelist_Doug_Taylor:Kiara in NY wanted to know if a Medicare Advantage plan is a better option than choosing a Medicare Part D plan. There is no easy answer. It depends on your specific situation. But, again, the SHIP and CVC coalition can help you find the plans available to you in your state, and help answer your questions so you can make an informed decision. Doug and Ilana - does the Medicare Rights Center offer counseling such as that?

Donna: (Q) I turn 65 in Sept. and will be going from double coverage to Medicare and a supplement. What can I expect to pay as copayments?Panelist_Medicare_Rights_Center: (A) If you are turning 65 in September of 2011 the amount you pay for copayments will depend upon the type of supplementary coverage you select. For example, the majority of Part B covered services Medicare pays 80% which leaves you with a 20% coinsurance. Most Medigaps will pick up the remaining 20%, but Plans K and L cover less. The Medicare Rights Center has consumer materials that detail all Medigap plan benefits and also the specifics of what your cost-sharing will be in Original Medicare. Please feel free to call our consumer hotline M-F 9am-5pm ET 1-800-333-4114 or visit MedicareInteractive.org for further assistance.

Pioneermom09: (Q) Is there help out there for the copayments thru Medicare D?Panelist_Doyle_Hull: (A) Yes! Caring Voice Coalition is a non-profit organization that helps PH patients with prescription copayment costs. Approval for assistance is based on financial hardship, so we consider household size and income.

Sallymackey: (Q) Most Medicare D plans are not covered in SC for people under 65. Is there a list somewhere so that I do not have to keep contacting companies only to find out they can't cover me? Panelist_Doug_Taylor: (A) Hey, Sally. How are you? Did you see my answer earlier? Contact the Lt. Gov. Office on Aging and they will give you a local counselor to talk to.

Pioneermom09: (Q) We have both IV and oral therapies does this usually pose problems with the coverage? Panelist_Doug_Taylor: (A) I'm not the expert to answer this one... but I am on oral and IV meds too. My oral meds are covered through my Medicare Advantage plan as part D coverage. The IV meds are covered as Part B. So, no, in most cases it shouldn't pose a problem.

Pioneermom09: (Q) Is there special help for those that reach the "doughnut hole"? And if so how do we go about finding it? Panelist_Doyle_Hull: (A) Yes! Caring Voice Coalition's financial assistance for Part D cost-sharing includes help with the "donut hole."

Panelist_Medicare_Rights_Center: Doug, as you said there is no easy answer to what type of plan offers the best coverage. The way that you choose to receive your Medicare benefits and the plan that you choose really depends upon your personal healthcare needs. Regardless of whether you receive your prescription drug coverage through a Medicare advantage plan or a stand-alone prescription drug plan, the most important information to obtain is whether the plan will cover the medications that you take and how much you will pay for them. Medicare.gov has a useful tool called the Plan Finder. The Plan Finder allows you to enter the medications you take and will generate a list of Part D plans offered in your area that cover all or most of your medications. You can also use this tool over the phone by calling 1-800-MEDICARE. As you mentioned, the SHIP is also an excellent resource for more location specific information. Moderator_Margaret_Beardsworth: Just a reminder that there is a small delay once you submit a question or comment. If you don't see your question answered right away, please be patient.

Carolynne: (Q) Is the CVC grant a one-time thing or is it every month? The monthly copay for Letairis on drug programs is 25%-33% of the cost of drug. Panelist_Doyle_Hull: (A) CVC's assistance is based on a full calendar year. If you are approved for assistance, your specialty pharmacy would usually submit claims to us for your monthly copayments. You're right about the cost-sharing for Letairis. It's often 25% or 33% during the initial benefit level. During the "coverage gap," the cost sharing is 100% (it will be 50% in 2011). During the "catastrophic" level, it's 5%.

Dinnydinny: (Q) Does the SHIP have another name in CA (where I am) Panelist_Medicare_Rights_Center: (A) Hi Dinnydinny. Yes the SHIP in CA goes by the Health Insurance Counseling and Advocacy Program (HICAP). Their number is 1-800-434-0222.

Pioneermom09: (Q) will Medicare cover a pulse oxemiter for those that need it? Panelist_Doyle_Hull: (A) I'm sorry, but I don't know the answer to that one! Generally, Medicare will cover what it considers to be "medically necessary" under its guidelines. Unfortunately, what we think we need and what Medicare thinks we need are sometimes not in agreement. If it were covered, it would be covered under Part B.

Panelist_Doug_Taylor: I'm hoping Doug and Ilana will comment on how the new Healthcare Reform is going to impact Part D. I know in my support group, about 1/4 of our members have lost coverage because of plans being dropped. Is that going to continue happening?

Dinnydinny: (Q) Could we have some introductory remarks from each panelist about some general topics (such as: what IS open enrollment anyway and what is the status of the doughnut hole currently) Panelist_Medicare_Rights_Center: (A) Of course. If you do not join a Medicare private drug plan during your Initial Enrollment Period, you may not be able to enroll until Fall Open Enrollment (sometimes called the Annual Coordinated Election Period – ACEP), which is November 15 to December 31 of 2010, for coverage beginning January 1. You may also have to pay a premium penalty. Beginning in October of 2011 Fall Open Enrollment will start earlier and end earlier. Fall Open Enrollment in 2011 and beyond will be from October 15 to December 7. Changes and enrollments made during Fall Open Enrollment will still become effective January 1. You may also have a Special Enrollment Period to enroll in Part D under special circumstances, including if: you get Extra Help; or you lose employer drug coverage.

And now onto your second question regarding the doughnut hole. Thanks to healthcare reform the doughnut hole will be closing, which is great news for people with Medicare. Due to budget restrictions the closure will happen in stages. In 2010 people who entered the doughnut hole received a $250 rebate in check. In 2011 the benefit is even better. People who enter the doughnut hole will receive a 50% discount off the cost of almost all brand name drugs and 7% off the cost of generic medication. By 2020, the doughnut hole will be completely eliminated.

Pioneermom09: (Q) Does the SHIP have a different name in Arkansas? Panelist_Doug_Taylor: (A) Doug and Ilana can you answer this one too?

Dinnydinny: (Q) The last time I was looking at Part D coverage, I was told that the AARP plans did not cover PAH drugs -- Tracleer for me at that time. Is this still true? Are there others which don't cover PAH drugs at all which we should avoid? Panelist_Doyle_Hull: (A) In our experience, there are no Part D providers that categorically exclude PH drugs from coverage. You can do research at the Medicare website to see if your drugs are covered and how they are covered under plans available in your area.

Panelist_Doug_Taylor: Dinnydinny-- also keep in mind terminology. Does not cover may actually mean that 'prior authorization' is required. Sometimes insurance reps don't always clarify what they mean.

Panelist_Doyle_Hull: Raye from CT asked, "How will my Flolan be paid for under Medicare?" In general, Flolan is covered under Medicare part b where it is usually subject to 20% coinsurance.

Moderator_Margaret_Beardsworth: Just a reminder that if we don't get to your question today, you can always contact Medicare Rights Center's hotline at 1-800-333-4114 or Caring Voice Coalition at 1-888-267-1440 after the chat.

Kiara1: (Q) I'm disabled and receive SSDI and have Medicare with Part D. Would I be eligible for a Medigap plan. Because the cost of medications seems to be okay with the Part D and I apply for the Extra Drug Coverage, which I've seem to get each year. I'm in NY State and the cost for medical visits and test seem high would a Medigap plan or advantage plan be better for me? Panelist_Medicare_Rights_Center: (A) Hi Kiara, if you have Original Medicare and you are under 65, whether you have the right to buy a Medigap policy depends on which state you live in. Unfortunately, according to national law, insurance companies can refuse to sell Medigap policies to people who are under 65. However, New York does tend to have generous Medigap policies and there is a guaranteed issue right for people on Medicare who are under 65. Even if you do not have the right to buy a Medigap policy, insurance companies may choose to sell you one. Generally, insurance companies can charge people under 65 with Medicare much higher premiums. However, several states entitle people who are under 65 to an open enrollment period to buy at least some kinds of Medigap policies. For exact rules and protections in your state, contact your State Health Insurance Assistance Program (SHIP) or Department of Insurance.

Panelist_Doyle_Hull: Joan from PA asked: "How do state plans, such as PACE in Pennsylvania, help their members choose a Medicare Part D program? Is this appropriate?" I'm not sure if it's appropriate, but it's helpful. They generally will provide you with a list of Part D plans with whom they can coordinate benefits. That allows your Part D copayments to flow directly to the state plan for payment.

Panelist_Doug_Taylor: Sandra in MI wanted to know how to compare Medicare Advantage Plans and MediGap policies and part D policies. "Is it trial and error?" This is what I have just gone through myself. The SHIP helped me find which plans I was eligible for under age 65 in SC. The information included costs involved with each plan. They provided a graph of what my drug costs are projected to be under each plan. From there, I called my current docs to see if they accepted the plans. With that information I was able to make a choice I felt comfortable to me. I chose a Medicare Advantage plan 2 yrs ago, and another one for next year, because I felt that made the most sense for me personally. No one can make the choice for you, but there are people that will help you gather the information you need to make a choice.

Christina: (Q) When must plans have submitted their price to the Plan Finder? Aetna, my current plan, seems to bringing up the rear... Panelist_Medicare_Rights_Center: (A) Hi Christina, unfortunately there is no due date for plans to submit their upcoming prices to Plan Finder. Part of the problem in your case may be that as Aetna has been sanctioned by CMS they are no longer taking any new enrollments. You should be receiving an Annual Notice of Change from your plan shortly that details any changes to your plan in the upcoming year.

Pioneermom09: (Q) With Medicare is there any assistance programs out there to assist the patients with getting to and from their specialists? Panelist_Medicare_Rights_Center: (A) While Medicare does not cover transportation to and from doctors' office there may be local programs or organizations that can be of assistance. Also, if you are eligible for Medicaid you may be able to access this type of transportation benefits. We would suggest contacting your SHIP for more local information.

Louisa: (Q) Besides the donut hole, what other aspects of healthcare reform have direct impact to to PAH patients? Panelist_Doyle_Hull: (A) The healthcare reform legislation changes many things outside of the few changes to Medicare Part D. Among those changes, there are two that really impact PH patients. The law is designed to help all people (not just healthy ones!) access insurance more easily. It's also designed to help make sure that some of the problems that have plagued PH patients in the past (such as benefit maximums) become ancient history.

Panelist_Doug_Taylor: PioneerMom -- I did some research on transportation for my support group and found each county had some form of transportation for medical purposes available. The SHIP provided me the initial information.

Panelist_Doug_Taylor: Average cost per trip was anywhere from $0-$4 per one-way. Panelist_Doyle_Hull: Sandra from MI asked, "How to compare Advantage plans with straight-forward Part B, Medigap policies, Part D policies? I’m spending hours trying to discern. Is it trial & error?" It can involve a lot of trial and error. That's why Caring Voice Coalition has insurance counselors to help walk people through the process. We can't make the decision for you, but we can provide advice. Feel free to call!

Moderator_Margaret_Beardsworth: And Sandra, Caring Voice Coalition's number is 1-888-267-1440. You can also find them online at www.caringvoice.org.

Carolynne: (Q) I've had private PPO health insurance for 3 years. High monthly premium but they do pay for my PAH drugs with only a $35 monthly copay. Wouldn't just staying with them eliminate the donut hole? Panelist_Doyle_Hull: (A) It would - because the "donut hole" is something that only occurs with Medicare Part D. I don't think any other plans have invented anything similar to it.

Pioneermom09: (Q) We live in a rural area and are finding problems getting transportation to our specialist which is 6 hours away one way. The assistance programs here don't go that far. Panelist_Doug_Taylor: (A) Wow! That is tough. Perhaps a program like Angel Flight could help. Pilots volunteer their time and planes to transport patients to medically necessary appointments. I'm not sure how to contact them and there are a couple of other similar programs.

Panelist_Doug_Taylor: (Q) Open enrollment (or as I like to think of it -- "hunting season") is from Nov 15-Dec 31. So when Jan 1 comes along and someone is really unhappy with their new part D plan, what can they do? Panelist_Medicare_Rights_Center: (A) Good question Doug. As you point Nov 15-Dec 31 really is the time to hunt for the right plan for you. There is a limited window from Jan 1-Feb 14 for people who have a Medicare Advantage plan to disenroll into Original Medicare and pick up a new prescription drug plan. Keep in mind that if you have Original Medicare and a prescription drug plan you will not be able to switch your coverage at this time.

Christina: Re: Aetna sanction--did not know that. What was even more confusing it sent me at least one item implying they were a valid choice next year.

Panelist_Doug_Taylor: I would like to encourage people to not get too stressed. Take a little time, contact Caring Voice Coalition and the SHIP for help. You don't have to go it alone.

Panelist_Doug_Taylor: And the Medicare Rights Center too!

Sallymackey: A comment to pioneermom09: If there is no angle flight, check with your local (small) airport. Some small plane pilots that are not a part of angle flight will still do medical flights - for free - if they know of the need. The pilot can usually use the airport car to drive you to the airport to the dr. office.

Panelist_Doyle_Hull: Yvette from TX asked, "What type of Medicare D is good to cover all medications prescribed for PH and still have the Medicare coverage for the doctors without having to pay a big copay?" Generally, medications and doctor visits are covered under different parts of Medicare. Part D covers medications and Part B covers physician office visits. We'd have to look at your full insurance situation to really provide guidance on what options might work best for you. Please feel free to call CVC!

Panelist_Medicare_Rights_Center: Doug T. asks: "I know in my support group, about 1/4 of our members have lost coverage because of plans being dropped. Is that going to continue happening?" We have heard that there is a smaller number of plans to choose from in 2011. That said, many of the plans that are disappearing from the market are actually being consolidated into other plans offered by the same insurer with the same benefits. For example Health Plan A has two plans: N and M and both offer the same benefits. In 2011 those plans might be merged into plan N. This is to ensure that people with Medicare have meaningful choice when they are shopping for a new plan.

Panelist_Medicare_Rights_Center: Christina, Aetna's sanctions mean that it cannot enroll any new members, but you can still stay with your current plan.

Panelist_Doyle_Hull: Diana from CA asked, "What plans have the best coverage for Tracleer and Adcirca?" That's a situation where a one-on-one consultation with CVC would help. We would ask for a list of your medications and then look up the plans available in your area and then help you determine which ones look like the best options in terms of the things that are important to you.

Christina: Oh, that explains it

Kiara1: (Q) Is there a difference between Medigap Plans and Medicare Advantage plans. Explain what each are if possible. Panelist_Medicare_Rights_Center: (A) Hi Kiara, while the majority of people with Medicare get their health coverage from Original Medicare, some people choose to get their benefits from a Medicare Advantage plan. These private health plans contract with Medicare and are paid a fixed amount to provide Medicare benefits. The plan must provide all Part A and Part B services but can do so with different rules, costs and restrictions that can affect how and when you can get care. The way that you choose to receive your Medicare benefits and the plan that you choose really depends upon your personal healthcare needs.

When comparing Medicare private health plans ask yourself questions that address how the specific plan will meet your needs. Will I be able to use my doctors? Are they in the plan's network and are they taking new patients who have this plan? What extra benefits does the plan offer? What rules do I have to follow to get them? What service area does the plan cover? How much is my monthly premium? How much will I have to pay out of pocket before coverage starts (what is the deductible)? How much is my copayment for a visit with my PCP or a visit with a specialist? Similarly, when looking into Medigap policies, it is important to shop around.

Remember that all plans of the same type (for example all “A” plans) offer the same benefits, no matter what company you buy from. But prices can vary greatly. Once you have chosen which type of Medigap plan you want, research companies that sell Medigaps in your area. For further assistance understanding your coverage options, an excellent resource is your state health insurance assistance program (SHIP). Each state offers a SHIP program, partly funded by the federal government to give you free counseling and assistance.

Carolynne: (Q) If my present PPO plan is dropped, how do I get another drug plan if it happens outside of an enrollment period? Panelist_Doyle_Hull: (A) If your current plan is a Medicare Advantage plan and it goes out of business or drops coverage in your area, you would be eligible for what Medicare calls a Special Enrollment Period (SEP) to allow you to enroll in a new plan.

Moderator_Margaret_Beardsworth: At this time, we'll have to bring the chat to a close. While the panelists are answering the remaining questions, I want to remind you that there will be a transcript of this chat available at www.phassociation.org/classroom/recordings.

Panelist_Doug_Taylor: When starting to find coverage, it is very helpful if you understand the distinctions in a few terms... Medicare Part A, Medicare Part B, Medicare Part D Medigap Medicare Advantage When you understand the basics of these terms, you can start digging into the specifics of individual plans.

Panelist_Medicare_Rights_Center: Thank you everyone for your questions. If there are any remaining questions please feel free to call our consumer hotline M-F 9-5 ET or consult our education website, www.medicareinteractive.org at any time.

Panelist_Medicare_Rights_Center: Sorry about that, our consumer hotline number is 1-800-333-4114!

Panelist_Doyle_Hull: Thanks to everyone! Please call CVC if we may be of assistance to you!

Moderator_Debbie_Castro: Thanks Doyle, Margaret and everyone!

Moderator_Margaret_Beardsworth: Thank you to our panelists, Ilana, Doug Goggin-Callahan, Doug T. and Doyle for being on the chat! And Debbie!

Moderator_Margaret_Beardsworth: Thank you all for your great questions and have a good afternoon!

Moderator_Debbie_Castro: Oh Gosh, and Ilana, and the Dougs

Panelist_Medicare_Rights_Center: Thank you!

Panelist_Doug_Taylor: Thanks!

Panelist_Medicare_Rights_Center: Thank you all of the other panelists and participants!

The information provided on the PHA website is provided for general information only. It is not intended as legal, medical or other professional advice, and should not be relied upon as a substitute for consultations with qualified professionals who are familiar with your individual needs.